Commercial Credit Analyst: Risk Insight & Growth

Wheels, Inc; Schaumburg (IL); On-site; USD 60,000 - 83,000; Full time

Job summary

Wheels, Inc. is seeking a Commercial Credit Analyst to assess long-term client viability using financial analysis, including cash flow and capital structure. The role supports sales by refining client risk profiles and improving underwriting efficiency.

You will perform due diligence, prepare credit reports, and monitor existing key accounts while collaborating with sales and finance teams to optimize risk and profitability. Hybrid work in Schaumburg, IL or Alpharetta, GA is available.

Qualifications

• Bachelor's degree in business or finance; commercial credit training.
• Minimum 3 years of commercial credit analysis experience.
• Knowledge of credit laws and regulations.
• Strong communication with relationship managers and stakeholders.
• Proficiency in Microsoft Office and Salesforce.

Responsibilities

• Analyze prospective clients using fundamental financial analysis techniques.
• Prepare comprehensive credit packages with free cash flow analysis and capital structure assessment.
• Review and decide on credit applications meeting underwriting standards.
• Gather documentation and prepare detailed credit reports with recommendations.
• Communicate credit decisions to partners and negotiate to win applications.
• Perform ad-hoc data analysis and develop scalable credit monitoring processes.
• Coordinate with cross-functional teams to develop financial reporting dashboards.
• Conduct monthly, quarterly, and annual credit reviews of existing clients.

Skills

Analytical thinking

Negotiation

Time management

Communication

Problem solving

Education

Bachelor's degree in business or finance

Tools

Microsoft Office

Salesforce

Job description

Wheels, Inc. is seeking a Commercial Credit Analyst to assess long-term client viability using financial analysis, including cash flow and capital structure. The role supports sales by refining client risk profiles and improving underwriting efficiency.

You will perform due diligence, prepare credit reports, and monitor existing key accounts while collaborating with sales and finance teams to optimize risk and profitability. Hybrid work in Schaumburg, IL or Alpharetta, GA is available.